Approval Rate
82.8%
2026 data Public-data reference. official source
Public dataset
Mortgage Lending Data
Public-data reference. for PlainLender.
Aggregated HMDA mortgage data: lender denial rates, demographics, rankings by approval volume across states, metros, counties.
Explore 4,908 mortgage lenders across 54 states. Approval rates, denial patterns, loan types, and demographic lending data from the CFPB Home Mortgage Disclosure Act (2024).
12,229,298
Total Applications
6,176,052
Loans Originated
17.17%
National Denial Rate
$312,937
Avg Loan Amount
Active Lenders
4,908
Avg Loan Amount
$312,937
National denial rate 17.2%
Top 10 States by Mortgage Originations (2024)
Mortgage loans originated by state, 2024 HMDA snapshot. Source: CFPB.
Largest Mortgage Lenders
| # | Lender | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| 1 | United Wholesale Mortgage (MI) | 366,078 | 11.7% | $380,061 |
| 2 | ROCKET MORTGAGE (MI) | 361,071 | 14.9% | $284,179 |
| 3 | CROSSCOUNTRY MORTGAGE, LLC (OH) | 101,894 | 2.4% | $375,527 |
| 4 | Bank of America NA (CA) | 83,165 | 34.6% | $274,986 |
| 5 | Navy Federal Credit Union (VA) | 82,022 | 23.9% | $213,031 |
| 6 | JPMorgan Chase Bank, NA (OH) | 80,744 | 8.1% | $569,056 |
| 7 | LOANDEPOT.COM, LLC (CA) | 79,418 | 23.3% | $267,675 |
| 8 | GUILD MORTGAGE COMPANY (CA) | 75,356 | 3.7% | $305,231 |
| 9 | US BANK, N.A. (OH) | 74,512 | 26.8% | $304,941 |
| 10 | FAIRWAY INDEPENDENT MORT CORP (WI) | 74,401 | 4.7% | $318,005 |
Lending by State
Texas
491,716 loans originated
17.2%
denial rate
Florida
474,589 loans originated
19.8%
denial rate
California
509,170 loans originated
17.6%
denial rate
North Carolina
256,370 loans originated
17.3%
denial rate
Georgia
227,610 loans originated
18.5%
denial rate
Ohio
246,113 loans originated
17.3%
denial rate
Pennsylvania
245,926 loans originated
18.4%
denial rate
Illinois
203,770 loans originated
16.5%
denial rate
New York
208,787 loans originated
19.4%
denial rate
Michigan
203,987 loans originated
18.5%
denial rate
About This Data
Data sourced from the CFPB Home Mortgage Disclosure Act (HMDA) 2024 Snapshot National Loan-Level Dataset. HMDA requires most mortgage lenders to report detailed information about their lending activity. This data covers 12,229,298 loan applications across 4,908 reporting institutions.
Frequently Asked Questions
What data does PlainLender provide?
PlainLender provides HMDA mortgage lending data covering 5,113 lenders, 55 states, 3,224 counties, and 413 metros from 11.5 million applications in 2023.
What is HMDA data?
The Home Mortgage Disclosure Act requires most mortgage lenders to report application-level data including loan amounts, interest rates, approval rates, and borrower demographics.
Where does the data come from?
All data comes from the Consumer Financial Protection Bureau HMDA dataset, the most comprehensive source of U.S. mortgage lending data.
Mortgage Guides
Understand mortgage data and make better borrowing decisions.
Understanding HMDA Data
What mortgage lending data reveals about 5,000+ lenders.
Why Mortgages Get Denied
Top denial reasons and how to improve your chances.
Compare Lenders
Use federal data to evaluate lenders before applying.
Get the Best Rate
Credit score, down payment, and shopping strategies that lower your rate.
Denial Rate Analysis
How denial rates vary by loan type and income across 11.5M applications.
PlainLender presents CFPB HMDA mortgage lending data for transparency and research purposes only. This site does not provide financial, lending, or legal advice. Contact a licensed mortgage professional before making borrowing decisions.
Research
Original analysis from our editorial team, every statistic derived from our own database. See all research.
Rankings
Lenders with Highest Denial Rates
SSR-driven ranking of mortgage lenders by HMDA-reported denial rate, filtered for lenders with sufficient application volume to ensure statistical reliability.
RankingsLenders with Best Approval Rates
SSR-driven ranking of mortgage lenders by HMDA-reported approval rate. Each lender's profile shows the underlying application + origination + denial counts.
RankingsLargest Mortgage Lenders
SSR-driven ranking of the largest U.S. mortgage lenders by 2023 origination volume from the CFPB HMDA Loan/Application Register dataset.